Cass Information Systems Inc (CASS)vsRelx PLC ADR (RELX)
CASS
Cass Information Systems Inc
$55.18
+0.18%
INDUSTRIALS · Cap: $706.64M
RELX
Relx PLC ADR
$33.80
-0.06%
INDUSTRIALS · Cap: $61.83B
Smart Verdict
WallStSmart Research — data-driven comparison
Relx PLC ADR generates 4421% more annual revenue ($9.72B vs $214.99M). RELX leads profitability with a 23.3% profit margin vs 17.1%. CASS trades at a lower P/E of 19.9x. RELX earns a higher WallStSmart Score of 64/100 (C+).
CASS
Buy64
out of 100
Grade: C+
RELX
Buy64
out of 100
Grade: C+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+33.4%
Fair Value
$68.15
Current Price
$55.18
$12.97 discount
Margin of Safety
+59.3%
Fair Value
$70.88
Current Price
$33.80
$37.08 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Strong operational efficiency at 31.6%
Reasonable price relative to book value
Earnings expanding 24.3% YoY
Every $100 of equity generates 338 in profit
Strong operational efficiency at 32.0%
Large-cap with strong market position
Keeps 23 of every $100 in revenue as profit
Earnings expanding 24.3% YoY
Generating 1.5B in free cash flow
Areas to Watch
Smaller company, higher risk/reward
Distress zone — elevated risk
2.7% revenue growth
Trading at 140.8x book value
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : CASS
The strongest argument for CASS centers on Operating Margin, Price/Book, EPS Growth. Profitability is solid with margins at 17.1% and operating margin at 31.6%. Revenue growth of 12.2% demonstrates continued momentum.
Bull Case : RELX
The strongest argument for RELX centers on Return on Equity, Operating Margin, Market Cap. Profitability is solid with margins at 23.3% and operating margin at 32.0%. PEG of 1.22 suggests the stock is reasonably priced for its growth.
Bear Case : CASS
The primary concerns for CASS are Market Cap, Altman Z-Score.
Bear Case : RELX
The primary concerns for RELX are Revenue Growth, Price/Book, Debt/Equity. Debt-to-equity of 7.19 is elevated, increasing financial risk.
Key Dynamics to Monitor
CASS profiles as a mature stock while RELX is a value play — different risk/reward profiles.
CASS carries more volatility with a beta of 0.42 — expect wider price swings.
CASS is growing revenue faster at 12.2% — sustainability is the question.
RELX generates stronger free cash flow (1.5B), providing more financial flexibility.
Bottom Line
CASS scores higher overall (64/100 vs 64/100), backed by strong 17.1% margins and 12.2% revenue growth. RELX offers better value entry with a 59.3% margin of safety. Both earn "Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Cass Information Systems Inc
INDUSTRIALS · SPECIALTY BUSINESS SERVICES · USA
Cass Information Systems, Inc. provides information processing and payment services to manufacturing, distribution and retail companies in the United States. The company is headquartered in St. Louis, Missouri.
Relx PLC ADR
INDUSTRIALS · SPECIALTY BUSINESS SERVICES · USA
RELX PLC provides information-based decision-making and analysis tools for professional and commercial clients in North America, Europe, and internationally. The company is headquartered in London, the United Kingdom.
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